Get moving with an auto loan from HRCCU! Enjoy competitive rates as low as 3.99% APR with flexible terms from 36 to 60 months. Whether you’re buying new or used, we’re here to help you finance your next vehicle with confidence and ease. Apply Now

Find the Best Auto Loan Rates Near You

Compare the best auto loan rates available for new and used vehicles from banks in the Capital Region including the greater Glens Falls and Saratoga Springs areas.

 

Compare Local Auto Loan Rates

Bank New Vehicle (2023) Used Vehicle (2015 & Older)
HRCCU 4.50% APR 8.25% APR
Trustco 4.75% APR Not Offered
Key Bank 6.57% APR Not Offered
Berkshire Bank 4.74% APR Not Offered
Adirondack Trust 6.24% APR Not Offered

Loan rates as of April 4, 2023, for up to $20,000 for 60-month term. Subject to credit approval.

 

Why Choose an Auto Loan With HRCCU?

A benefit of working with a credit union like HRCCU means you are more than a number. We can offer low interest rates in addition to other low-cost financial products and services that the big banks can’t compete with.

HRCCU is able to offer more flexible options for auto loans when compared to for-profit banks in Upstate New York, allowing our members to get the vehicle they want at the best rate possible — even if it’s older than 10 years!

HRCCU also offers boat loans and ATV and snowmobile loans with the best financing for our members.

Apply Today!

Low-rate loans and flexible terms will put you behind the wheel of a new or used car with a payment plan that suits your budget. Start the pre-approval process today and lock in the best rate for your loan.

Apply Today!

Current Rates

Auto Loans
APR as low as
3.99%
Fixed Rate 36 Month
Mortgages
APR as low as
5.50%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
2.99%
Adjustable 7/1 ARM (HELOC only)
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
logos of Bauer 5-star, America's Credit Union, Community Development Financial Institution, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration

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